DISCOVER BANK
Consumer Complaints
There are over 11723 complaints on file for DISCOVER BANK. Dated between 2019-12-12 and 2011-12-01.
Complaints Page 210
2017-05-04
Queens, NY
Written notification about debt
Debt collection: Credit card debt
Didn't receive notice of right to dispute
Complaint: I currently have a debt for the amount of {$2300.00} with Discover Credit Card Services. I called Discover at XXXX to inquiry about this debt. I was provided this fake phone number XXXX and was unsuccessful in communicating to the agents who would provide the necessary information to start paying this debt.
Company Response: Closed with explanation
2017-05-04
Bossier City, LA
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Company Response: Closed with explanation
2017-05-04
San Francisco, CA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Was not notified of investigation status or results
Complaint: DISCOVER did n't replying in a timely manner to my letters, or have they to date after 4 certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting. I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that th ey may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( o r in-action ) on their behalf has resulted in a small claims action against their company in XXXX XXXX . As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month. I also am have a pending lawsuit against XXXX , XXXX & XXXX for not investigating nor responding to me as well, and taking no action when Discover did not reply. I tried to sue already but I had put the wrong reason I was suing on court documents so I have a new pending litagation
Company Response: Closed with non-monetary relief
2017-05-04
Nyc, NY
Struggling to repay your loan
Student loan: Private student loan
Problem lowering your monthly payments
Complaint: In XX/XX/XXXX I applied for and received a private loan to pay for my XXXX XXXX XXXX XXXX XXXX XXXX at XXXX University. I successfully graduated my XXXX program in XXXX, and incurred a loan debt of approximately {$60000.00} plus interest.
XXXX first approved my loan, but the debt was later sold to Discover Student Loans. Since receiving my loan in XXXX, I have consistently made my payments on time. I have been gainfully employed since graduating, and currently work for the XXXX XXXX in New York. Nonetheless, my salary is not very high and I have struggled to keep up with the high loan payments. Specifically, I have tried to negotiate my loan payments with Discover Student Loans, and tried to get them to decrease the monthly amount of {$7000.00}, and they have refused to do so. It has been extremely hard to communicate with Discover Student Loans because : 1. They do n't have an actual office in New York and all our communications have been through the phone ; 2. They have increased my loan payments in the past two years even though my salary has remained the same ; and I understand this is a private loan and the interest can go up, but I can not afford to pay $ XXXX monthly given that my salary has not increased. I would like to know if someone from your office and can help me and let me know if I have any options. I am a XXXX citizen, and have a social security number and a working visa, but because I am not a US citizen, many relief programs have been unable to help me. I have a good credit score and this is the only debt I have. I am committed to pay this debt, but need my payments to be more reasonable and proportional to the salary I make. I would appreciate if you could let me know what options I have. Thank you for your time and consideration.
Company Response: Closed with explanation
2017-05-04
Harrisburg, PA
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with non-monetary relief
2017-05-03
New Brit, CT
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Account status incorrect
Company Response: Closed with non-monetary relief
2017-05-03
NY
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: I can not cancel a gym membership and I am being charged
Company Response: Closed with explanation
2017-05-03
Cedar City, UT
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: This is an update to a previous complaint filed with Discover Card regarding the fraudulent charge place on my Discover card ending in XXXX which has been open since XXXX . In re-opening the case they have once again denied the fraudulent balance transfer in the amount of {$4000.00} dollars and in fact I have come to find out that my signature was in fact forged by a minor child who was XXXX years of age at the time. This new information has also been given to Discover Card who refuses to acknowledge that they in fact did take and accept a forged check ( check # XXXX XXXX on XXXX and put the charge onto my credit card ending in XXXX for which I am the only authorized user and for a card which has remained in my possession only. My first complaint was filed on XXXX and was investigated until XXXX when I was once again notified that there had been no fraud committed on my card. Discover Card as Im learning thinks they are above the law and not responsible for any mishandling of consumer charges or funds. An perfect example of this is when dealing with debt relief agency Discover Card is the only credit card company who will not negotiate unlike other credit card companies. Discover Card 's staff uses scare tactics and intimidation to accomplish a no negotiation even when the error is their own. Im am disgusted with their policies and the manner in which they handle fraudulent claims. They simply deny and fraudulence even when it can be proven. This manner of business is corrupt and should be un-exceptable for any business and or bank. Discover Card has failed to use proper checks and balances to prevent fraud but has every policy and procedure in place to protect itself but not the consumer therefore Im updating and once again submitting a complaint against the Card company that thinks it can do no wrong and will not accept any responsibility in improper safeguard and protections to the consumer. Forgery is a crime and for whatever reason Discover Card refuses to accept this because that would mean they did something wrong so I do n't know why I even bother wasting my time and words because Discover Card does not make mistakes even in criminal situations. They simply deny and fraudulence and therefore are never held accountable for bad business practices.
Company Response: Closed with explanation
2017-05-03
Columbus, OH
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Difficulty submitting a dispute or getting information about a dispute over the phone
Company Response: Closed with explanation
2017-05-03
Urbandale, IA
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Credit inquiries on your report that you don't recognize
Complaint: On XXXX / XXXX / 2017 I called and spoke to XXXX XXXX in regards to this inquiry being on my account. When I spoke to him he informed me that I did authorize the information because whoever tried to get an application in my name had all my information. I asked if I could get an application with my signature on it and he advised that they will try to send the application with my signature. I never authorized this company to run any kind of inquiry. He said that it was done on-line which give me more reason to have this removed off my credit. This inquiry is making it hard for me to get approved for any kind of loans to get a house.
Company Response: Closed with non-monetary relief
2017-05-03
Ny City, NY
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Card was charged for something you did not purchase with the card
Complaint: My issue has been ongoing since 2016. Discover has continued to delay my credit for the fraudulent transactions on my credit card. I have sent the company the documentation they were looking for and responded to the CFPB, stating that they needed " additional time ''. They have gotten over 1 year to " investigate '' this issue and clearly are purposely avoiding crediting me the CORRECT AMOUNT of credits.
i have included XXXX screen shot of an example of confirmations for sending discover faxes even though they state they never received them More documents will be uploaded over the course of the week.
Company Response: Closed with explanation
2017-05-03
Dealing with your lender or servicer
Student loan: Private student loan
Problem with customer service
Company Response: Closed with explanation
2017-05-03
Morton Grove, IL
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with rewards from credit card
Company Response: Closed with monetary relief
2017-05-02
Gaithersburg, MD
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Card was charged for something you did not purchase with the card
Company Response: Closed with explanation
2017-05-02
FL
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Card was charged for something you did not purchase with the card
Complaint: On XXXX XXXX XXXX , I called Discover at XXXX . I notified them that I had discovered that since XXXX XXXX XXXX , I was charged an unauthorized recurrent monthly fee for an item that I searched for online linked to a " payment protection program ''. As a result of this, and as I have my bank account automatically pay the discover card account minimum payment, I have been charged hundreds ( over XXXX at least ) of dollars on this fee. I notified them that it was fraudulent, that I had never enrolled in this program or asked for this fee, that I still have n't even enrolled activated it on my online portal as I never asked / did n't even know I was enrolled in this service, and that I needed to have the charge investigated into and would like a case number to track progress. The gentleman on the phone said that the best they could do was " refund the past 6 months worth of charges ''. I told him you do n't understand, this is fraud and I need the entire situation looked into. I was told that their fraud department was an " internal department that I was not allowed to speak with about this '' and that their " policy '' was to simply to refund 6 months and that was all that could be done. I notified him that the answer was non-satisfactory, that I have a fraudulent charge on my account dating back to XXXX XXXX , and that I need an investigation to be conducted on this matter, the charge immediately cancelled, and the funds that were paid for it unknowingly back. He said that they had a call notated in the system on XXXX XXXX XXXX stating that I asked for the service and I told him that was incorrect and I never requested that service. I also told him that I want that call to be played for me as if they could demonstrate that I enrolled in this process over a call, they would need to have voice verification and that would satisfy my inquiry in its entirety, and that I was certain there would be no authorization on my behalf on the call. He told me there was no such voice recording of the call and that there was basically no proof that I ever enrolled in this program besides a note in the system on the aforementioned date. Overall, I have been fraudulently charged by Discover for a program I never enrolled it, have been told I could n't be refunded more than the last 6 months of charges due to a " policy '' associated with this very matter, have been told that they could not prove that I ever enrolled in a program as they were not in possession of any evidence ( a voice recording since they claim I authorized it over the phone ) besides notes left in the system by an individual, and was told that it was not fraud and they would not look into the matter further via a department concerned with unauthorized charges. I continued to reiterate my frustration and that this was indeed fraud and was told " a XXXX might give you a call tonight or tomorrow '' about the situation, but would simply tell me precisely what he was saying. There have been law suits over this, the internet is swarming with detailed stories associated with this very matter, and Discover is not receptive to investigating into this fraud and refunding me the amount taken from my account since XXXX XXXX of XXXX . Upon speaking to their online team via chat, they notified me ( I have a screen shot ) that " the payment protection plan is actually a service that was offered thru Discover and we can credit back fees for it to you. Our XXXX team can not dispute charges from that XXXX , so you would need to contact that number I listed and they can credit the charges back to you. '' The " Head Supervisor '' of the XXXX Department, XXXX XXXX , based out of the XXXX XXXX then gave me a call to state that he was the end-all resource for complaints of this nature. He reiterated that they would not pay back anything more than the last 6 months of fees, which was over XXXX dollars, that they would not investigate into my matter further, that the fraud department and all other departments would not be of any further assistance as he is the final resource, and that even if I am telling them that fraud was committed on my account, it would not be looked into further and the only option I had was to have it cancelled and to accept the XXXX dollar credit.
Company Response: Closed with explanation
2017-05-01
West Covina, CA
Credit monitoring or identity theft protection services
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Billing dispute for services
Company Response: Closed with explanation
2017-05-01
Finksburg, MD
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Sued you without properly notifying you of lawsuit
Complaint: I am trying to sell my house and last week, I was informed by the title attorney that there is a judgment lien on my property. I was not previously aware there was a lien. Upon further investigation, I discovered that this lien was a result of a default judgment that was obtained against me in XXXX . I was never served with the lawsuit and thus never had a chance to respond. The original amount of the judgment was {$11000.00} but with judgment interest of over {$18000.00}, the current judgment amount is {$32000.00}. The background of this credit card debt is that my wife, at the time, opene d a Discover c redit card account while I was XXXX overseas. Although I did not authorize the account, upon my return and discovery of the amount due, I contacte d Discover 's collection agent, XXXX XXXX XXXX XXXX ( XXXX ) and in XXXX , I agreed to a full and final settlement of {$11000.00} to be paid over monthly installments of {$590.00}. Of this amount, I have paid {$10000.00}. I stopped making payments when in XXXX XXXX , I was informed by my bank that my monthly payment of {$590.00} was returned. When I contacted XXXX to find out what happened, I was informed that my account had been sold to XXXX XXXX . I was never informed that this sale took place or that my account had moved. I tried to contact XXXX XXXX to resolve this matter and resume my payments but they refused to honor the settlement agreement. In XXXX , I was contacted by yet another debt collection company, XXXX XXXX XXXX , demanding full payment of the original amount due. I tried to explain what happened but they would not listen to me or try to resolve this matter. I wanted to pay the amount of the settlement as agreed, but the account kept being resold and/or placed with another agency, and the successor agencies did not have any information about the previous agreement and would not honor it. I want this judgment lien removed because I was never served with the lawsuit and I in any event, I have paid a substantial part of the judgment amount. I am about to lose the sale of this property because of a fraudulently obtained default judgment and the inability of Discover Bank to track its sales of charged-off accounts and prevent further abuses by debt buyers and collection agents.
Company Response: Closed with non-monetary relief
2017-05-01
Lk Buena Vis, FL
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Card was charged for something you did not purchase with the card
Complaint: This complaint is being filed cause sometime in XXXX i realized that my card was missing and i reported it to discover. They never credited the fraud charges so i was waiting for the credits to be done on the account. Today i called in and they had never flagged the fraud charges and i am being reported to the credit bureau for 30 day late payment for XXXX 2017. I ha ve contacted them and been transferred to several departments and to no avail been able to have this resolved.
Company Response: Closed with explanation
2017-05-01
San Bernardino, CA
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Complaint: I deposited XXXX into my account and did a couple of transfers which i am allo wed 6 transfers with money market account and unlimited with checking so i had an external account linked with my checking account and i made a transfer from discover bank to XXXX XXXX XXXX and discover stopped my transfer in the amount of XXXX and asked me why did i transfer it after i deposited the funds in their bank, i told them i 'm allowed to transfer my money anywhere i like so they then said they are closing my account and the transfer was completed but they still managed to stop it then they said the funds were fraud and t hat 3 banks w ere asking for the funds back which is not true bacause the banks they named i do n't even bank with period.The funds came from one ba nk only and when i asked why are they accusing me because i made a transfer they said i can not have my funds and it was being closed for fraud, my bank tried to recover the funds and wa s denied.My fund s are still at discover and i want them.They also said send in proof of identity and i did still they are keeping my money while it is gaining interest .They kept telling lies saying XXXX XXXX , XXXX , and XXXX were asking the funds back, they came from XXXX and they should have sent it back to them but they wo n't they said for me to tell XXXX to do an indem but if the bank was asking for the funds back due to fraud why would n't they give them to the bank, it 's because that is not true and they are trying to keep my money it 's been since XXXX the XXXX that they have had my funds and i am still able to check it but not able to get the funds because the account is froze and suppose to b e closed.This disc over bank lies and gains money off of customers money.I did not do any fraud and i need my funds.Their customer service make false statements and are very rude.They also get angry when you transfer your money out.
Company Response: Closed with monetary relief
2017-05-01
San Diego, CA
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2017-04-29
Oxford, GA
Advertising and marketing, including promotional offers
Credit card or prepaid card: General-purpose credit card or charge card
Confusing or misleading advertising about the credit card
Complaint: I have been using Discover Scorecard to track my FICO score for a little while now and my score has been steadily improving. I was on the Discover site and saw where it says to see " my offer ''. It also stated that it would not affect my score. I put in my name and last four digits of my social, knowing that I already have an account with them. When I submitted that information, I was directed to " My offer '', the Discover It card. After completing the application in is entirety and EVEN choosing my card design, my application was DENIED and when I checked my credit score , my score dropped due to that particular inquiry being added. There website is misleading. Particularly the wording of " Your offer '', letting me choose my card design, and stating that it wo n't affect my credit. i am working so hard to repair my credit and this is just devastating. I called XXXX and explained what happened and asked that they remove the inquiry, the representative told me that I had to call Discover Bank directly and that they would be able to remove it. When I called Discover , I spoke with a supervisor named XXXX who claimed they could not remove the inquiry even after I explained that it was misleading. I asked to speak to HIS supervisor because I was tired of being lie to. He told me that there was n 't one available and that one would be there at XXXX XXXX eastern standard time. That was at XXXX XXXX . He asked me for my callback number. I gave him the number ( the same one on my application/account ) and here it is XXXX XXXX and I have still not received a call yet!
Company Response: Closed with explanation
2017-04-29
WI
Closing an account
Checking or savings account: CD (Certificate of Deposit)
Fees charged for closing account
Complaint: I initially invested in a 7 ye ar CD with Discover Bank. The CD matured a nd I allowed it to be automatically reinvested in another 7 year CD with Discover. I decided to close the CD and understood that I would incur a penalty for early withdrawal. My previous documentation from Discover Bank stated that early withdraw penalty would be 15 months simple interest. After closing the account I was told that I would have to pay 24months simple interest for a penalty. I never received any documentation from Discover Bank bef ore the renewal indicating the change in terms. I just received a letter saying it was renewed with the new interest rate. I feel the penalty was excessive which actually cut into my principle. They not only use money for free 16 months but decided to take a little extra for themselves. My main complaint is that Discover Bank never sent information of the change in term s of the CD rene wal.
Company Response: Closed with explanation
2017-04-29
Murray, UT
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: In XXXX XXXX , I returned home from XXXX where I had been living since XXXX XXXX . As part of the dispute, the sent m e two lett ers, dated XXXX XXXX XXXX and XXXX XXXX XXXX . They also sent me all the statements from XXXX XXXX through XXXX XXXX . 1 ) T he XXXX XXXX letter provided an address that is fraud/belongs to the identity thief ( XXXX XXXX XXXX XXXX XXXX XXXX Louisiana ) and indicated that a credit card had been shipped to this address on XXXX XXXX XXXX . This address is listed in the one or more o f the statements that were shipped to me at my address. The address on the statements at the time the credit card was sent in XXXX XXXX is XXXX , Missouri - not the address indicated on the letter. 2 ) The XXXX XXXX letter provided the address where I have lived since XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ), a nd stated that they had sent a credit card to my address on the same date in the first letter, XXXX XXXX XXXX . I was living in XXXX at this time, had not applied for nor ever received a Discover cre dit card, nor had my family ever received a credit card for me at this address. This address - my address - is NOT listed on ANY of the statements. The address on the statements at the time the credit card was sent in XXXX XXXX is XXXX , Missouri - not the address indicated on the letter. ***** In an attempt to validate a fraudulent account without accurate or complete investigat ion, Discover perjured th emselves in providing false, unfounded, undocumented, and conflicting information to their own documents. ****
Company Response: Closed with non-monetary relief
2017-04-29
Charlotte, NC
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2017-04-29
Abilene, KS
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Company Response: Closed with non-monetary relief